Save intelligently.

You have enough on your plate. Handling the complex terrain of the 401(k) industry can distract you from what really matters – servicing your clients. Beaumont Capital Management (BCM) will work with you to build a plan from the ground up to meet virtually any retirement need, starting with the all-important qualified default investment alternative (QDIA).

Read our latest retirement blog post: Understanding Collective Investment Trusts (CITs) and Their Benefits 

BCM DynamicBelay® Target Date Funds (TDFs)

Currently, the most common type of QDIA is the target date fund (TDF), but the typical TDF has proven weaknesses. So we engineered the BCM DynamicBelay® TDFs to address these shortcomings. Built upon our investment philosophy of growth with defensive disciplines, these low-cost TDFs use a combination of tactical and strategic allocations to Deliver What Investors Expect®:

  • Low Cost and Transparent Expenses so all-in* costs are less than 45 bps!
  • Real Defense gives participants the confidence to stay invested and keep contributing, even during bear markets.
  • Participants first because a retirement plan should be for participants and their needs first and all other aspects second.
  • Accessible to virtually any qualified plan. All you need to know is the CUSIP Number.
  • Independent and Provider Agnostic, meaning no self-dealing. We are selecting what we believe to be the best underlying investments based on factors like cost, desired exposure, risk attributes, and more.

View the Retirement Brochure

*These include the BCM management fee, underlying ETF expenses, estimated trading costs, trustee and accounting fees. These do not include payments to advisors, brokers or other third party providers.

BCM’s Dynamic Approach: Combining Tactical and Strategic 

The BCM TDFs are low-cost Collective Investment Funds (CIFs) that employ a unique kind of glide path. Using our background as investment advisors, we constructed these TDFs with a longer term view, just as a typical advisor would manage money. We don’t see value in reducing equity and increasing fixed income by a percentage point or two each year. Is this method meaningfully reducing risk?

Instead, we manage the strategic allocations within our TDFs over 10 year periods, or “steps”. Then, we incorporate tactical allocations in both equity and fixed income that can adjust on a short-term basis to changing market conditions, seeking to get defensive only when necessary. This allows us to keep assets invested longer, and still have the ability to get out of the way if a bear market occurs.

It’s simple. When markets are healthy, stay invested for growth. When the markets enter a correction or bear, try to preserve the majority of client assets by getting out of the way.

BCM DynamicBelay® Target Date Funds (TDFs)

Collective Investment Funds (CIFs) designed to help provide growth and get defensive when necessary.

BCM DynamicBelay 2060 TDF

This portfolio has a diversified strategic allocation of 95% equity ETFs and 5% in fixed income ETFs.

A portion of the equity allocation is invested in a tactical process with the ability to go to cash in an equity bear market.

BCM DynamicBelay 2050 TDF

This portfolio has a diversified strategic allocation of 85% equity ETFs and 15% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

BCM DynamicBelay 2040 TDF

This portfolio has a diversified strategic allocation of 70% equity ETFs and 30% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

BCM DynamicBelay 2030 TDF

This portfolio has a diversified strategic allocation of 60% equity ETFs and 40% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

BCM DynamicBelay 2020 TDF

This portfolio has a diversified strategic allocation of 50% equity ETFs and 50% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

Access using the CUSIP

The BCM Collective Investment Funds (CIFs) are accessible to virtually any qualified plan. All you need to do is fill out our participation agreement and have the CUSIP on hand. Here are the CUSIPs for all of our CIFs:

BCM DynamicBelay 2060 Target Date Fund = 410236129

BCM DynamicBelay 2050 Target Date Fund = 410236137

BCM DynamicBelay 2040 Target Date Fund = 410236145

BCM DynamicBelay 2030 Target Date Fund = 410236152

BCM DynamicBelay 2020 Target Date Fund = 410236160

BCM U.S. Sector Rotation CIF = 41026E202

BCM Decathlon Growth Tactics CIF = 41026E103

Let Us Help You Build a Better 401(k) with BCM’s Independent Archite(k)ture Solutions.

We understand that no individual or business is the same. No retirement solution or plan should be built the same either! We also believe in the power of choice. We can provide fully-, semi-, or un-bundled solutions including taking on the 3(38) fiduciary liabilities.


Services Offered: 

  • 3(38) Services and Investment Lineup and Monitoring
  • BCM DynamicBelay® Target Date Funds (TDFs)
  • Third Party Administrator (TPA), Record Keeper and Platform Selection
  • Plan Investment Policy Statement
  • Custom Plan Design (includes managing defined benefit, profit sharing, cash balance or other)

How can we help? Ask yourself:

  • What role do you want to play in the management of your plans?
  • What aspects can BCM assist with or completely take over? You choose – looking for full support or an a la carte approach?

Want to know if you can access BCM’s strategies?

We are available through many TAMPs, and to hundreds of broker dealers and RIAs. We can help guide you in the right direction.

Fill out this quick form and we will get back to you with the best method to access these Target Date Funds, or any of our other strategies that may be available to you.

Or call our internal consultants at (844) 401-7699.